Your opportunity to get cheap insurance for young drivers can be greatly enhanced by the use of Event Data Recorder (EDRs). EDRs have been used for tracking data from cars such as speed, air-bag deployment, and safety-belt use and are in fact already installed in millions of vehicles.

What is happening now is that aftermarket products are becoming available that are purposely designed to track the driving behavior of teen drivers. Small, easily installed and inexpensive, parents can now install EDRs on their vehicles and know how their young drivers are behaving behind the wheel.

There is lots of motivation to installing EDRs. Teen drivers have some of the highest insurance rates because their immaturity and inexperience are a dangerous combination that leads to higher accident rates. When teens know that their driving habits will be monitored and reported to their parents they are more likely to show more maturity behind the wheel and their driving performance will also improve more quickly. This fact is recognized by insurance companies and as a result they will offer reduced rates for young drivers when an EDR is installed.

Certain models have the added feature of audible warnings when certain types of behavior are detected such as driving faster than a preset limit, braking too hard or cornering too fast. These audible warnings can help the teen driver correct bad habits before they develop.

Installing the devices is relatively straightforward as they simply plug into the On-Board Diagnostics port. This is the port that has been installed in new vehicles since 1996 and is used by mechanics to run diagnostic tests or check systems for proper performance. These ports are usually easy to access making the EDRs easy to install.

One thing you want to check before purchasing is their ease of use. Most will allow you to download the data and produce a number of reports that you can then use for review with your teen. Don’t buy without the opportunity to experience the ease of downloading the data and what kinds of reports get produced. Make sure they give you the information you think you will need.

The cost of installing an EDR should be recovered by getting some cheap insurance for young drivers.

Sending your kid through college is now laughing matter these days in terms of cost. Colleges are not cheap, most especially the good ones. And if you are like most parents, you want your kids to go to the best colleges they can get in. Of course there are student loans which they are able to take, but if you were able to save some money for their education, then it is a worthwhile investment to help them get prepared for real life. Here are some food for thought on how you can save money and get them through college:

– Make them share some of the responsibilities. Pay for their tuition, board and books but ask them to find a part time job for their pocket money. Doing so will make them responsible in seeing the true value of money and how hard it is to earn it. Also make them pay for their own car insurance. Doing so makes them find a cheap insurance for young drivers. It may not be easy finding cheap insurance for young drivers, but also look at what kind of insurance they got; which may be the most basic and quietly contact the insurance company and offer to pay for the upgrade which covers more than just collision.

– Listen to them in finding out what course they want to take. There are two schools of thought in this issue. The first is to let them find out what they want. This may be the easier thing to do but can also be expensive and lead them to slacking or getting delayed. Perhaps some advice would be for them to take a general course in the first two years before deciding what course they would like to take. And unless justified, only offer to pay for four years of college and not pay for any delays. The second school of thought is to dictate to them what course to take. This may sound draconian but there is a method to this madness. If ever in their sophomore year, they wish to transfer because they do not like the course you have told them to take, and then allow them to do so. At least you know they tried to do what you ask them to carry out.

– Tell them to research for any scholarships or grants. If they are able to get a scholarship, then tell them that their money for college tuition is placed in a time deposit banking instrument which they can withdraw when they graduate. They deserve the money.

Cheap insurance for young male drivers is seen as a bit of an oxymoron because men drivers have been statistically proven to be involved in more auto-accidents which means they file more claims. Furthermore, young men are seen as even bigger risks because of their inexperience behind the wheel. So when looking for deals on vehicle coverage males seem to already be at a disadvantage because of the gender-mates that have preceded them. I’d like to talk about five easy ways to save on insurance with lessons from a coach.

One of the great things about sports is the coaches and managers that teach the game. Regardless of what game you pick you will find great people that are teaching skills and life-lessons through their respective sports. The first lesson you can take from a coach to save money is that your identity will follow you. By this I mean that if you establish yourself as a good driver from day one, you will be able to save money on and find cheap insurance for young male drivers. If you start off having accidents and filing claims you are more likely to become a pariah in the eyes of any insurer. So, it is best to establish a good identity early on in your driving life.

The second lesson you can take from a coach to save money on cheap insurance for young male drivers is that safety is very important. Just like coaches wouldn’t want to compromise the safety of their players on the field or court, nor should you want to compromise your safety or the safety of others on the road. Insurance companies will reward you with discounts for having such safety features such as air-bags, daytime running lights, and anti-lock brakes.

The third lesson that a coach could teach to save on cheap insurance for young male drivers is to never make it easy for your opponent to beat you. With car thefts occurring at a rate of 1 every 26 seconds it is safe to say that car thieves may be your biggest opponents. In order to make sure they don’t beat you by making off with your ride; take some proactive steps to stop them by using anti-theft devices such as steering-wheel locks, kill-switches, and GPS tracking systems. Implementing these techniques will qualify you for discounts from most insurers.

The fourth lesson you can take from a coach is that defense is important. By taking a defensive driving course you could qualify for big savings on cheap insurance for young male drivers. This course must be state-approved and should not be taken as the result of a court mandate. If you are ordered to take such a course by the courts you will not be eligible to take advantage of the discounts offered. It is best to just take the course on your own and present a certificate of completion to your insurer in order to be credited with your savings.

The final lesson a coach could give to get cheap insurance for young male drivers is that sometimes less is more. By making a commitment to drive your car less you could actually qualify for deep discounts as a part of insurance companies’ low-mileage rewards that offer savings to clients that only drive a certain amount of miles daily. Be sure to talk with an insurance agent to get specifics about this and to learn how you could best use it to your advantage. I hope this article was helpful in helping you find the best coverage for your driving needs.